Free tool

Spousal support calculator

A rough Spousal Support Advisory Guidelines range using the without child support formula. Entitlement must be established before any of these numbers matter.

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Count from the start of cohabitation to the date of separation.

Used to apply the “rule of 65”.

Questions

How spousal support actually works

Why does the calculator ask about entitlement first?

Because there is no automatic right to spousal support. A claim must be compensatory (one spouse’s economic position was disadvantaged by the roles adopted during the relationship), non-compensatory (the relationship created an interdependency and its breakdown leaves one spouse in need), or contractual. Two spouses who both worked full time throughout a short marriage with no children frequently produce no entitlement at all — and the Guidelines are never reached.

Which formula does this use?

The "without child support" formula from the Spousal Support Advisory Guidelines. It applies where no dependent children are involved. Where child support is also payable, the far more complex "with child support" formula applies instead, working from net disposable income after child support — that cannot meaningfully be approximated here.

Are the Guidelines binding?

No. They are advisory, not legislation. But they are used routinely by courts and counsel across Canada, and a figure well outside the range needs a reason. Judges expect to be told where within the range a party says the case falls and why.

What moves you within the range?

The strength of the compensatory claim, the recipient’s realistic prospects of becoming self-sufficient, age, health, the property division that accompanied the separation, debt, the payor’s ability to pay, and any obligations to a second family.

What about a lump sum instead?

A lump sum is neither deductible to the payor nor taxable to the recipient, whereas periodic support is both. The two therefore cannot be compared without doing the tax arithmetic, and a lump sum figure will always look smaller than the equivalent stream. Lump sums also end the matter, which is an advantage or a disadvantage depending on which side you are on.

Can support be changed later?

Yes. A review clause allows reconsideration at a defined trigger without proving anything. A variation requires a material change in circumstances — job loss, a substantial income change, retirement, or a recipient becoming self-sufficient. Retiring early and voluntarily in order to reduce support is not treated sympathetically.
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